We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 360264 results
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Decision Reference DRN-4663035
6 Mar 2024 Tandem Personal Loans Ltd Not upheldConsumer CreditDRN-4663035 The complaint Mrs W complains that Oplo PL Ltd (“Oplo”) didn’t provide a fair and reasonable response to her claim under sections 75 and 140A of the Consumer Credit Act 1974 (“the CCA”) in relation to a timeshare product financed by a loan they provided. What happened In or aro... (7 pages)View decision -
Decision Reference DRN-4649196
6 Mar 2024 The Mortgage Business Plc Not upheldMortgagesDRN-4649196 The complaint Mr K and Mr T’s complaint relates to a buy-to-let mortgage they have with The Mortgage Business Plc (TMB). They are unhappy that following the direct debit mandate that collected their monthly payment being rejected due to there being insufficient funds in the pay... (4 pages)View decision -
Decision Reference DRN-4611718
6 Mar 2024 Western Circle Ltd Not upheldConsumer CreditDRN-4611718 The complaint Mrs M has complained that Western Circle Ltd trading as Cashfloat (“Cashfloat”) gave her loans which she couldn’t afford to repay. Mrs M says at the time she had numerous outstanding payday loans at the time. What happened A summary of Mrs M’s borrowing can be fou... (4 pages)View decision -
Decision Reference DRN-4588099
6 Mar 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4588099 The complaint Mr and Mrs D complain National Westminster Bank Plc (NatWest) didn’t pay a cheque. What happened Mr and Mrs D gave a cheque to a tradesman, but NatWest didn’t pay the cheque. The tradesman gave Mr and Mrs D the letter they got from their bank, and it says the cheq... (3 pages)View decision -
Decision Reference DRN-4663018
6 Mar 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4663018 The complaint A company which I will refer to as ‘P’ complains that Lloyds Bank Plc failed to prevent the company falling victim to a scam. What happened In March 2021, P advised its sister concern who provided P with accounting services (I will refer to them as the accountant)... (5 pages)View decision -
Decision Reference DRN-4600580
6 Mar 2024 AIB Group (UK) Plc UpheldBanking and PaymentsDRN-4600580 The complaint Mr M complains about AIB Group (UK) Plc’s actions and communications when they returned a large cheque he’d received unpaid. What happened Mr M received a £23,000 cheque from a close family member and paid it into his account with AIB. However, AIB returned the ch... (3 pages)View decision -
Decision Reference DRN-4644808
6 Mar 2024 One Insurance Limited UpheldInsuranceDRN-4644808 The complaint Mr L complains One Insurance Limited unfairly removed his motor insurance No Claims Discount (NCD). One Insurance has been represented by an agent. For simplicity I’ve referred to the agent’s actions as being One Insurance’s own. What happened In April 2023 a thir... (2 pages)View decision -
Decision Reference DRN-4597885
6 Mar 2024 Campbell & Associates Independent Financial Advice Ltd UpheldInvestmentsDRN-4597885 The complaint Mr and Mrs N complain Campbell & Associates Independent Financial Advice Ltd (“Campbell”) failed to invest £95,000 they transferred it to top up their portfolios across 2016. What happened Mr and Mrs N held a series of investments across a number of different ... (4 pages)View decision -
Decision Reference DRN-4663020
6 Mar 2024 Revolut Ltd Not upheldBanking and PaymentsDRN-4663020 The complaint Mr C complains that Revolut Ltd (Revolut) is refusing to refund him the amount he lost as the result of a scam. Mr C is being represented by a third party. To keep things simple, I will refer to Mr C throughout my decision. What happened The background of this com... (3 pages)View decision -
Decision Reference DRN-4561369
6 Mar 2024 Metro Bank PLC Not upheldBanking and PaymentsDRN-4561369 The complaint Mr K complains about the service provided by Metro Bank PLC (“Metro”) regarding the transfer of two ISA’s he held with it to another provider. What happened On 10 August 2023 Mr K instructed another ISA provider (“X”) to transfer two of his ISA’s held with Metro t... (3 pages)View decision
